www.moneysavingexpert.com is a good site for info on reclaiming bank charges. There are templates for the appropriate letters to send and a step by step guide. Their advice is to open a "parachute" bank account as when you lodge a claim against your present bank they are likely to close your account...

My wife and I have decided to separate. We have been in an IVA since August 2005. How will separation affect the IVA? - She is currently the sole earner as I am at university. I will only have my student loan as income.